1.__Definition.__For the purposes of this section, "infertility" means the disease or condition that results in the abnormal function of the reproductive system such that a male is not able to impregnate a female or a female is not able to become pregnant and maintain a pregnancy to full term after one year of attempting pregnancy.

2.__Coverage.__All group health maintenance organization contracts that provide for coverage for pregnancy-related benefits must provide coverage for the diagnosis and treatment of infertility, including, but not limited to, in vitro fertilization, embryo transfer, artificial insemination, gamete intrafallopian tube transfer, zygote intrafallopian tube transfer and low tubal ovum transfer.

3.__Limits.__The coverage required by this section is subject to the following conditions:

A.__The female partner must be 21 years of age or older and under 45 years of age;

B.__For a policy that provides prescription drug coverage, the policy may not impose special restrictions on prescription medications or a restriction or limitation on the number of procedures used for infertility diagnosis or treatment, except as provided in this subsection;

C.__Coverage for procedures for intrauterine insemination with ovarian stimulation and procedures requiring oocyte retrieval may be limited in accordance with the following.

(1)__The policy may require that the covered individual has been unable to attain or sustain a pregnancy through reasonable, less costly medically appropriate infertility treatments for which coverage is available under the policy or contract.

(2)__The policy may limit the covered individual to a maximum of 6 completed intrauterine inseminations with ovarian stimulation, except that if the individual has a living child, then the policy may limit coverage to 3 completed intrauterine inseminations with ovarian stimulation.

(3) The policy may limit the covered individual to a maximum of 4 completed oocyte retrievals, except that if the individual has a living child, then the policy may limit coverage to 2 completed oocyte retrievals.